Liberty Mutual vs. Farmers: Which Insurance Company Is Better in 2026?
Farmers stands out as the better insurance company thanks to its affordable rates and variety of discounts.
Secure. Free. Easy-to-use.
Excellent
)
Written byErin Gobler
)
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited bySara Getman
)
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Liberty Mutual and Farmers are two of the largest car insurance companies, both ranking among the top 10 in the U.S.[1] They both offer plenty of insurance coverages and discounts to choose from, but they have some mixed customer satisfaction rankings.
Overall, Farmers has more affordable rates and more discounts, while Liberty Mutual has more coverage options and better claims satisfaction. In this insurance comparison, we’ll break down some of each company’s key features, as well as where each one stands out.
Quick Facts
Farmers has more affordable insurance premiums and a larger variety of discounts, while Liberty Mutual has more optional coverages.
Both companies have some mixed customer satisfaction reviews as well as excellent financial strength ratings.
Liberty Mutual and Farmers each offer a telematics program that offers potential savings for safe driving.
Liberty Mutual vs. Farmers: Our verdict
Both Liberty Mutual and Farmers have a solid lineup of coverages and discounts, as well as excellent financial strength.
Farmers auto insurance stands out more overall, thanks to its more affordable rates and wide variety of discounts. Farmers may be right for you if you want a lower rate. Meanwhile, choose Liberty Mutual if you want the widest variety of coverage options and a higher claims satisfaction ranking.
Your rates will vary based on your personal situation. Before choosing an insurer, it’s important to shop around, get feedback about both companies, and get a personalized rate quote.
Liberty Mutual vs. Farmers
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $182/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $161/mo* |
Overall rating 3.5 | Overall rating 3.8 |
Value for money 3.0/5 | Value for money 3.3/5 |
Customer service 3.3/5 | Customer service 3.8/5 |
Claims handling 3.5/5 | Claims handling 3.9/5 |
Special highlight Numerous discountsAI-generated from 1832 user reviews | Special highlight Bundling discountsAI-generated from 1115 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Liberty Mutual: Best for coverage options
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $154/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $210/mo |
3.5
A solid optionBased on 3,301 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,832)
Robert
Verified Review
High Rates, Too Much
Reviewed in Idaho on January 2026
Rates keep going up too much. I must shop to find lower rates.
Theresa
Verified Review
Do not get Insurance with Liberty. You will be sorry.
Reviewed in Oklahoma on January 2026
Do not insure with Liberty. They constantly change your rates even though you don’t change the coverage. If you have a claim, they don’t want to pay you. They tell you to get whatever tools you need and fix the product yourself. I’m 70 years old and have multiple sclerosis. My claim adjuster told me to go get some tools and fix the air conditioner myself. When I told him how old I was and that I had multiple sclerosis, he said I better hurry up and get it done because it was summertime and very hot. I had an eight-month-old roof that had hail damage and needed to be completely replaced, as well as guttering and an air conditioner, among other items. They wanted to give me $3,800. It took me five months and hundreds of hours of texting and phone calls. I finally had to call the Oklahoma insurance commission and get them involved, as well as the district attorney’s office. I did end up with a little more money, about $5,000, but I had to get a relative to come and put the roof on because the amount of money didn’t even cover all the materials I needed. Before I got the insurance commission involved, my adjuster told me they were through with me, and when I would call, my phone number would route to an answering machine that said to text this number. I would text, and nobody would call me back. It was a nightmare and so stressful. I wasn’t even sure I was going to make it through it, but I did, and now I’m shopping for new insurance.
Mary
Verified Review
Liberty Mutual Offers the Best Prices
Reviewed in Massachusetts on January 2026
My experience with Liberty Mutual is mostly good. I like the flexibility of being able to pay and find my forms online. I didn’t find auto glass replacement to be easy with Liberty Mutual. The company they recommended didn’t have our windshield, so I had to find another company myself. I wish the original prices they quoted me did not go up so much. Each year, the price increases beyond what I’m happy with. That being said, when I price other companies, there are none that are cheaper. So I’m staying with Liberty Mutual.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual offers an impressive number of coverage options, including new and better car replacement and a lifetime repair guarantee. Liberty Mutual’s rates are higher than average, but it offers several savings opportunities, including accident forgiveness and vanishing deductibles.
While Liberty Mutual has a higher number of complaints, it ranks among the top companies for customer satisfaction in J.D. Power’s claims satisfaction study.
Pros
Many available coverages
Added savings with accident forgiveness and disappearing deductibles
High J.D. Power claims satisfaction score
Cons
Higher-than-average premiums
Fewer discounts than Farmers
More complaints than expected with the National Association of Insurance Commissioners (NAIC)
Farmers: Best for affordable coverage
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $110/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $212/mo |
3.8
A solid optionBased on 2,367 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,115)
Lois
Verified Review
State Farm was at the best rate
Reviewed in Montana on December 2025
Just got their insurance.
Joe
Verified Review
A Bit of a Communication Issue with Farmers
Reviewed in Missouri on November 2025
It's been a bit difficult lately to directly contact the agent who initially signed me up and saved me a lot of money on my home insurance bundled with my auto insurance. The office assistant got me insurance for a new vehicle recently, but I think the rate is too high. I am going to attempt to get through to the agent I used initially. It could be just the issue of using the phone instead of a direct email to the person I am referring to.
Larry
Verified Review
Car Insurance Choices
Reviewed in Nebraska on November 2025
In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
619NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Farmers beats Liberty Mutual in both premiums and discounts. Its full-coverage rates, which include collision and comprehensive coverage, are slightly higher than average but still lower than Liberty Mutual. Its liability rates are about on par with the industry average.
Farmers stands out in the number of discounts available. It offers more than just about any other insurance company and includes unique options like shared family car, senior discounts, and multiple student discounts.
Pros
Affordable liability coverage
Many available discounts
Fewer-than-expected number of complaints with the NAIC
Cons
Not available in all states
Full-coverage rates are higher than average
Below-average J.D. Power claims satisfaction score
Farmers vs. Liberty Mutual: Which is cheaper?
In general, Farmers offers cheaper rates than Liberty Mutual. But car insurance rates differ depending on your driving history, age, credit history, and other personal characteristics.
The table below shows average rates from both Liberty Mutual and Farmers for various types of drivers.
Driver Type  | Liberty Mutual | Farmers |
|---|---|---|
| Adult drivers | $169 | $98 |
| Liability-only coverage | $154 | $110 |
| Full coverage | $210 | $212 |
| Drivers with a speeding ticket | $199 | $143 |
| Drivers with a DUI | $226 | $162 |
| Drivers with an at-fault accident | $205 | $146 |
| Poor credit drivers | $177 | $134 |
| Good credit drivers | $115 | $93 |
| Teen drivers | $264 | $236 |
| Senior drivers | $124 | $80 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Save on Your Next Car Insurance Policy
Compare rates from leading insurers
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Liberty Mutual vs. Farmers car insurance discounts
Both Liberty Mutual and Farmers have plenty of ways for customers to save money. They have quite a few car insurance discounts in common, including a claims-free discount and a discount for bundling your auto insurance with other insurance products, such as home or renters insurance.
But Farmers stands out for having more discounts. Some of its unique discounts include those for young drivers, shared family cars, and older drivers. It also offers a handful of state-specific discounts, according to its website. While Liberty Mutual has fewer discounts, it still has more than a dozen ways to save.
In the table below, you can find some of the most popular car insurance discounts and which of these companies offer them.
Discount | Liberty Mutual | Farmers |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✖ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✔ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✖ | ✔ |
Compare customer satisfaction and financial strength
When you’re comparing insurance companies, third-party rating factors can help you learn more about their reputation and financial strength. Both Liberty Mutual and Farmers have some mixed feedback in terms of customer satisfaction.
Liberty Mutual scores a high claims satisfaction score from J.D. Power but has a higher number of customer complaints.[2] Meanwhile, Farmers has fewer customer complaints but a lower J.D. Power claims satisfaction score.[3] [4]
Both Liberty Mutual and Farmers have an A financial strength rating from AM Best, which means they’re well-equipped to pay out their claims.
Score | Liberty Mutual | Farmers |
|---|---|---|
| IQ Score | 7.7 | 8.5 |
| Customer reviews | 3.5/5 (3,301 reviews) | 3.8/5 (2,367 reviews) |
| J.D. Power | 730/1,000 | 690/1,000 |
| AM Best rating | A (Excellent) | A (Excellent) |
| NAIC complaint index | 1.30 (higher than expected) | 0.85 (lower than expected) |
| BBB customer reviews | 1.08/5 | 1.09/5 |
Recent customer reviews of Liberty Mutual car insurance
Insurify collects real reviews from customers who go through the car insurance quote process. Below, you can find real, verified reviews from Liberty Mutual policyholders.
Robert
Verified Review
High Rates, Too Much
Reviewed in Idaho on January 2026
Rates keep going up too much. I must shop to find lower rates.
Theresa
Verified Review
Do not get Insurance with Liberty. You will be sorry.
Reviewed in Oklahoma on January 2026
Do not insure with Liberty. They constantly change your rates even though you don’t change the coverage. If you have a claim, they don’t want to pay you. They tell you to get whatever tools you need and fix the product yourself. I’m 70 years old and have multiple sclerosis. My claim adjuster told me to go get some tools and fix the air conditioner myself. When I told him how old I was and that I had multiple sclerosis, he said I better hurry up and get it done because it was summertime and very hot. I had an eight-month-old roof that had hail damage and needed to be completely replaced, as well as guttering and an air conditioner, among other items. They wanted to give me $3,800. It took me five months and hundreds of hours of texting and phone calls. I finally had to call the Oklahoma insurance commission and get them involved, as well as the district attorney’s office. I did end up with a little more money, about $5,000, but I had to get a relative to come and put the roof on because the amount of money didn’t even cover all the materials I needed. Before I got the insurance commission involved, my adjuster told me they were through with me, and when I would call, my phone number would route to an answering machine that said to text this number. I would text, and nobody would call me back. It was a nightmare and so stressful. I wasn’t even sure I was going to make it through it, but I did, and now I’m shopping for new insurance.
Mary
Verified Review
Liberty Mutual Offers the Best Prices
Reviewed in Massachusetts on January 2026
My experience with Liberty Mutual is mostly good. I like the flexibility of being able to pay and find my forms online. I didn’t find auto glass replacement to be easy with Liberty Mutual. The company they recommended didn’t have our windshield, so I had to find another company myself. I wish the original prices they quoted me did not go up so much. Each year, the price increases beyond what I’m happy with. That being said, when I price other companies, there are none that are cheaper. So I’m staying with Liberty Mutual.
Richard
Verified Review
Poor Service for Retired Citizens
Reviewed in Arizona on January 2026
Too expensive for retired people.
…
Recent customer reviews of Farmers car insurance
Insurify collects real reviews from customers who go through the car insurance quote process. Here, you can find real, verified reviews from Farmers policyholders.
Lois
Verified Review
State Farm was at the best rate
Reviewed in Montana on December 2025
Just got their insurance.
Joe
Verified Review
A Bit of a Communication Issue with Farmers
Reviewed in Missouri on November 2025
It's been a bit difficult lately to directly contact the agent who initially signed me up and saved me a lot of money on my home insurance bundled with my auto insurance. The office assistant got me insurance for a new vehicle recently, but I think the rate is too high. I am going to attempt to get through to the agent I used initially. It could be just the issue of using the phone instead of a direct email to the person I am referring to.
Larry
Verified Review
Car Insurance Choices
Reviewed in Nebraska on November 2025
In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.
Marcelo
Verified Review
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
Reviewed in Texas on November 2025
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
…
Liberty Mutual RightTrack vs. Farmers Signal
Both Liberty Mutual and Farmers offer usage-based programs to help drivers save money on their insurance policies. These programs track your driving and help lower your premium if you demonstrate safe driving habits.
Liberty Mutual’s RightTrack program offers an immediate discount of up to 15% when you sign up and up to 30% if you show safe driving habits. Liberty Mutual uses your smartphone’s GPS to track your hard braking, nighttime driving, rush-hour driving, low-speed driving, and distracted driving. It then calculates a final score after 90 days that determines your discount (or rate increase, if applicable).
Farmers has a similar program called Signal, which monitors phone use, hard braking, and the timing and mileage of your drives on your phone to either increase or decrease your premiums. In addition to the potential discount, a driving score of 80% or higher also makes you eligible to win up to $100 in rewards every month.
These programs are both telematics programs that track your driving habits and offer discounts accordingly. They differ from pay-per-mile programs, which offer a rate based on how many miles you drive each month.
Feature | Liberty Mutual RightTrack | Farmers Signal |
|---|---|---|
| Best for | Drivers who want higher savings and broad availability | Drivers who enjoy mobile app engagement and gamified feedback |
| Savings potential | Up to 30% based on driving behavior | Up to 15% on renewals |
| How it works | Uses your phone to track speed, braking, mileage, and phone use | Uses your phone to braking, mileage and phone use |
| Availability | 39 states and Washington, D.C. | 39 states |
| Data tracked | Hard braking, nighttime driving, rush hour driving, low-speed driving, distracted driving | Phone use, hard braking, when you drive, and how many miles you drive |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.8/4.0 |
| Driver feedback tools | Real-time trip feedback and personalized driving scores | Real-time trip feedback and “driving streaks” |
| Gamified rewards | ✖ | ✔ (drivers can earn badges and sweepstakes entries) |
| Compatibility | Smartphone app | Smartphone app |
Find Cheap Car Insurance
Insurify partners with 120+ top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Compare coverages: Liberty Mutual vs. Farmers
Both Liberty Mutual and Farmers offer the basics like liability and full coverage, as well as more add-on coverage options than most competitors. But Liberty Mutual comes out ahead with several more coverages than Farmers.
Both companies offer several popular coverages, like original parts coverage and accident forgiveness. Liberty Mutual has vanishing deductibles, while Farmers doesn’t. Farmers, on the other hand, has rideshare coverage, which Liberty Mutual lacks.
Coverage | Liberty Mutual | Farmers |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Classic car insurance | ✖ | ✖ |
| Rideshare insurance | ✖ | ✔ |
| New/better car replacement | ✔ | ✔ |
| Original parts replacement | ✔ | ✔ |
| Customized equipment | ✖ | ✔ |
| Lifetime repair guarantee | ✔ | ✖ |
| Accident forgiveness | ✔ | ✔ |
| Vanishing deductibles | ✔ | ✖ |
Farmers vs. Liberty Mutual FAQs
If you’re deciding between Liberty Mutual and Farmers for car insurance, check out the additional information below to learn more about these companies.
Which is cheaper: Liberty Mutual or Farmers?
Farmers has cheaper rates for nearly all types of drivers, but neither company has among the cheapest rates on the market.
Is Liberty Mutual hard to deal with?
Liberty Mutual’s high number of complaints with the National Association of Insurance Commissioners suggests the company might be hard to work with, but it has among the best claims satisfaction ratings, meaning many customers are happy with its service.
Read customer reviews to get a sense for how real policyholders feel about Liberty Mutual.
Is Farmers good at paying claims?
Farmers has a rating of A (Excellent) from AM Best, which indicates that it has the money to pay out its insurance claims. While it has a poor claims rating from J.D. Power, it should still be able to pay claims.
How is Liberty Mutual rated?
Liberty Mutual has some mixed customer satisfaction ratings. It has excellent claims satisfaction ratings but a high number of complaints. It also has an A+ rating from the Better Business Bureau, but only 1.08 out of 5 stars. Liberty Mutual has an A (Excellent) rating from AM Best, which indicates its financial strength.
Why is Farmers Insurance so expensive?
Each company uses different rating factors to set its premiums, so Farmers’ high rates are likely a result of those factors and its premium calculation. Additionally, each company has its own operational costs to consider, which factor into their rates.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
List of National and Regional Car Insurance Companies
January 7, 2026
)
Travelers Auto Insurance: User Reviews and Quotes
January 7, 2026
)
USAA Auto Insurance: User Reviews and Quotes
January 7, 2026
)
State Farm Auto Insurance: User Reviews and Quotes
January 7, 2026
)
Liberty Mutual Insurance Review: 3,301+ User Ratings
January 7, 2026
)
GEICO Auto Insurance: User Reviews and Quotes
January 7, 2026
)
Farmers Auto Insurance: User Reviews and Quotes
January 7, 2026
)
Allstate Insurance Review: 8,104+ User Ratings
January 7, 2026
Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Naic.org. "Consumer Insurance Refined Search Results."
- Naic.org. "Consumer Insurance Refined Search Results."
)
Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.